| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $27K | — | $27K | 5.01% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE SUITE 240 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $2K | — | $2K | 0.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET, SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $0 | $9K | 4.56% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $890 | $0 | $890 | 0.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX 5668 CONCORD, CA 94524 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.66% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $315 | $0 | $315 | 0.46% |
| EPIC3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO. | $588 | — | $588 | 10.94% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 96 | $749K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $68K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO. | 94 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $68K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 96 | $749K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.